You can make payments to Finance Now via:
- Direct Debit
- Automatic Payment
- Online banking
Our bank account number is: 03-0931-0358991-00. Remember to include your account number as reference
Yes, you can make extra payments. The benefit of making extra payments is that you may pay less interest. By paying more than the monthly instalment on your loan contract, you may also pay your loan off earlier than the end date of your loan contract. Paying off your loan early may mean you need to pay an early termination fee or charge – check your disclosure statement for details.
Yes, and we abide by the Law in regard to what we can charge. The formula is prescribed in regulation 9 or regulation 11 of the Credit Contracts and Consumer Regulations 2004.
- If you want to change to an entirely different bank account, a replacement Direct Debit Form is required.
- If the suffix only is to be changed, or the amount amended, verbal confirmation is acceptable from the bank account holder.
Our easy to use loan calculator lets you see what your repayments will be. You can change the amount you borrow and the length of time you want to have the loan for. Please note that the repayment amounts given are indicative only and based on a rate of 16.95% – your interest rate and repayment amounts will be confirmed when you apply.
PPI is an insurance product that covers your loan payment obligations if your income changes and affects your ability to pay. It is optional and a lending consultant can discuss PPI benefits with you.
You can take out a personal loan for between 6 and 60 months. This is called the ‘Term’ of the loan.
We consider various criteria when assessing your application for a personal loan. If you have ‘bad credit’, such as a recent default to another financial institution, you are unlikely to be approved. If you are not approved we will tell you the reasons for our decision and explain what you will need to do, over a period of time, to improve your likelihood of getting a loan in the future.
Each account with Finance Now is a separate contract therefore each loan contract requires a signature to become legal and binding.
If you are an existing customer of ours your witness can be anyone over the age of 18 years. If you are new to Finance Now, then we require a Justice of the Peace, A Lawyer, Solicitor or Barrister, or a Member of the Police. Alternatively, you can visit your local SBS Bank branch.
eMoney is a free service exclusive to Finance Now customers. Once you have registered, you can check your balance either online or by texting BAL to 580. All text messages are free. Applying for finance through eMoney is faster because we already have your details. Simply check or update your details and you’re good to go!*. You can also set up payment reminders, review payments, print statements and update your details so you can manage money your way. *Terms and conditions apply.
A Debt Consolidation loan simply means taking out one single loan to pay off several others. The main benefit of putting lots of different loans together (‘consolidating’) is that you’ll have one easy payment to look after and, in most cases, a lower interest rate to pay. Apply online now.
Please check the format when entering your date of birth. The correct format is DD/MM/YYYY.
If you are using your vehicle as security for a loan, a registered and roadworthy vehicle could help reduce your interest rates.
Call us free on 0800 299 399 and one of our lending experts will be able to help.
Our loan contracts and documentation are all in English, so unfortunately we will be unable to assist non English speaking customers.
You can contact the NZ Relay Help Desk services – available 24 hours a day, seven days a week, 365 days a year. www.nzrelay.co.nz